#AppArrives asBehind the top
1InstaremTRY 19,344.86Most arrivesBest on today's table. No fee, rate about 0.6 percent below the real rate.
2RemitlyTRY 19,280.76TRY 64.10About £1 behind Instarem on £300. The £1.99 fee is on the screen; the rate sits close to the real one.
3WiseTRY 19,276.51TRY 68.35About £1 behind Instarem. Wise gives you the real rate from Google. The £2.85 fee is what puts it third today.
4NatWestTRY 19,062.76TRY 282.10About £4.35 behind Instarem. No fee on the screen, but the rate sits about 2 percent below the real rate.
5Western UnionTRY 18,903.32TRY 441.54About £6.80 behind Instarem. The £1.99 fee is small. The rate drag is where most of the gap sits.
6NationwideTRY 18,078.75TRY 1,266.11About £19.50 behind Instarem. A £15 fee plus a rate about 2.2 percent below the real rate.
What to actually open
If you already have Instarem installedUse Instarem.On £300 this morning it delivered 19,344.86 lira for a zero fee. That was the best of the fresh prices on the Wise price comparison for Turkey today, by a small margin on the two apps right behind it.
If you have Remitly and not InstaremRemitly is a fair pick.On £300 it delivered 19,280.76 lira after a £1.99 fee, about a pound behind Instarem. Remitly's rate on this route sits very close to the real one, so most of that pound is the fee rather than a hidden gap in the exchange rate.
If Wise is the app you already useWise is a fair pick.On £300 Wise delivered 19,276.51 lira after a £2.85 fee, about a pound behind Instarem. Wise gives you the real exchange rate, the one you see if you search "1 GBP to TRY" on Google. On Turkey this morning that put Wise third by about a pound. The reason is the fee, not the rate.
Do not open your Nationwide app for this.On £300 the Nationwide send delivered 18,078.75 lira, about £19.50 less than Instarem for the same money going to the same lira bank account. Part of it is the £15 transfer fee the bank charges up front; the rest is a rate about 2.2 percent below the real rate. NatWest does not charge the £15 fee, but its rate still sits about 2 percent below the real one, which on £300 is about £6 the bank quietly keeps.
For the whole route in one place, see how to send money to Turkey.
Catches
A few things to check before you send. The table above is a bank deposit into a Turkish lira account. If your family wants the money in a dollar or euro account held with a Turkish bank, the price is a different one. Open the app and check the receiving screen before you send.
Several apps many senders to Turkey reach for did not return a fresh price for GBP to TRY on the Wise price comparison this morning. That group includes Revolut, Starling, Monzo, Chase, Zing, TransferGo, LemFi, Small World and MoneyGram. They are missing from the table today, not judged. If one of them is your usual app, or if your family wants cash pickup at a Western Union counter or a PTT branch, open the app and check the number yourself before you send.
Timing matters on Turkey. Turkey is two hours ahead of the UK while the UK is on summer time, so a Friday morning send from London arrives inside working hours in Istanbul and Ankara. Wise's own delivery estimate on this route this morning was within the hour. Several of the bank rows on the Wise price comparison for Turkey were last pulled on Monday, so the live price on your bank's app may differ by the time you open it.
How we checked
The check ran Friday 2 October 2026, morning UK time. Prices come from the Wise price comparison for a £300 bank transfer to Turkey, pulled Wise at 05:04 GMT, Remitly at 04:40, Instarem at 04:34, NatWest at 03:30, Western Union at 04:21, Nationwide last night. An independent feed matched Wise's rate to a rounding error. Raw JSON on file.
Corrections
None so far. If we get something wrong, the fix is dated here.